Making a good offer
Know where you stand before making an offer: what is a sensible amount, and what will it mean for your monthly outgoings?
Refinancing a mortgage
Are you still paying a rate that’s in line with current market conditions or your circumstances? We’ll look into whether refinancing would be beneficial in your situation.
Is it a good idea to remortgage?
There’s a chance you’re paying more for your mortgage than you need to. Refinancing or fixing your interest rate again could be beneficial, but a lower interest rate doesn’t automatically mean that refinancing is worthwhile.
Is refinancing worth it?
When refinancing your mortgage, you should take the following into account, amongst other things:
- your current mortgage and interest rate;
- the fixed-rate period;
- early repayment charges;
- how long you intend to stay in your current home, or whether moving house is also an option?
We’ll work out the figures for your mortgage, including any associated costs, so you can see whether it makes sense in your case.
Do the benefits outweigh the costs?
Ultimately, the question is: do the benefits outweigh the costs? We’ll look at your current mortgage and your options. We’ll work out what refinancing will cost you and what it will save you. That way, you’ll know whether it’s worth refinancing your mortgage. If it doesn’t save you anything, we’ll tell you that too. Make an appointment.
FAQ on refinancing a mortgage
Will I have to pay a penalty if I remortgage?
If you refinance your mortgage before the end of the fixed-rate period, the lender may charge an early repayment fee. The amount of this fee depends, amongst other things, on your current interest rate, the remaining fixed-rate period and the terms of your mortgage.
Will I have money left over each month if I refinance?
That could be the case. That is, of course, generally the main reason for remortgaging. But lower monthly repayments don’t tell the whole story. There are also costs involved in remortgaging. That’s why we look at the full picture.
Can I refinance my mortgage with my current bank?
Yes. Refinancing does not automatically mean you have to switch to another lender. Sometimes you can also adjust your mortgage with your current bank. Which option is most financially advantageous depends on the terms and costs.
Mortgages
Other topics within Mortgages
Withdrawing equity
Using your home equity for a renovation, your next property or your financial plans. What are the options?
Sustainability mortgage
Want to make your home more sustainable without having to move into a cabin in the woods or use up all your savings? Include insulation, solar panels or a heat pump in your mortgage.
More topics within Mortgages
Have you made up your mind about your financial decision yet?
Book a free consultation. Just a good chat about your situation.
How much does an initial consultation cost?
The first consultation is, of course, free of charge. We’ll discuss your situation, plans and any questions you may have, and see how we can help you. We’ll then explain what the next steps are, and any costs that may be involved. That way, you’ll know exactly where you stand from the outset.
Are you really independent?
Yes. We are not tied to any one bank or insurer, and we do not work on commission. We are familiar with all the providers, their costs and their terms and conditions. We’ll look at which provider best suits your situation.
What do I need to prepare?
Think about what you’d like to discuss and what plans or questions you have. A rough overview of your income, fixed expenses and any mortgage will help us get started, but it isn’t essential for the first meeting.
Would you like specific advice during the first meeting? If so, it would be helpful if you could bring your payslip, a statement of your savings, a list of your loans, etc., or send them to us in advance.
If you’d like, we can set up your account on the client portal in advance so you can upload documents. Please let us know when you book your appointment, and we’ll create an account for you.
Can I come here as an expat too?
Yes. Even if you’re an expat, we can help you with your mortgage and other financial queries. We’ll look at how your income and circumstances factor in and which options are best suited to your situation. We have extensive experience in this area. The consultation can be in Dutch, English or Polish.
Do I need to pop into the office?
You’re welcome to visit our office on the Slinge in Rotterdam. Of course, you can also book an online appointment. Whichever suits you best. You’ll receive the same personalised attention and clear explanations.
We’re open Monday to Friday from 9.00 am to 5.00 pm and on Thursday evenings by appointment.
I’m an entrepreneur – can I come to you for help?
Yes, of course. As an entrepreneur, your annual income can vary. We’ll look at your personal and business circumstances and find out which mortgage options are best suited to your situation. You can also come to us with any questions you may have about your pension, insurance and financial future.